Deposit Rates

All rates are effective November 1, 2008 and are subject to change without notice.

Deposit Rates
Account	Minimum	Rate	A.P.Y.
Silver Lining Savings (S1)*	$10	0.10%	0..10%
Special PUrpose (S4)		0.10%	0..10%
	$1,000	0.75%	0.75%
	$25,000	1.10%	1.11%
Checking Account (S10, S11)	$0.01	0.00%	0.00%
	$1,000	0.10%	0.10%
IRA Savings	$10	1.25%	1.26%
Christmas Club	$0.01	1.00%	1.00%
Youth Savings	$10	1.00%	1.01%
Life Savings Insured	$100	0.00%	0.00%

A.P.Y. = Annual Percentage Yield as of the effective date and are subject to change. Fees could reduce the earnings on the account.